A popular crypto analyst from the Good Morning Crypto podcast has made a strong prediction about XRP. He believes that the approval of XRP-based ETFs could trigger massive buying pressure, pushing prices higher. According to him, once proper regulations are in place, both investors and daily users of XRP could find themselves racing to grab what’s left of the supply.
So what’s driving this bullish outlook? Let’s break it down.
XRP ETFs Could Act Like “Vacuum Cleaners”
The analyst explained that Exchange-Traded Funds (ETFs) could play a major role in XRP’s price movement. When someone buys an XRP ETF, the actual XRP gets stored with a qualified custodian, meaning it’s no longer available for trading in the open market. He compared this to giant vacuum cleaners sucking XRP out of circulation.
With already 18 XRP ETF applications on the table, and there’s a speculation that BlackRock, with a AUM of $11 trillion in assets, may enter the space, the potential demand could be massive.
If that happens, a lot of XRP will be taken off the market, which could push the price higher.
Clear Regulation Might Unlock XRP’s Daily Use
At the same time, the analyst believes that under Donald Trump, crypto rules in the U.S. could become clearer & easier. If this happens by August, more businesses might start using XRP for daily payments.
Meanwhile, market makers, the ones who use XRP for regular transactions, would need it every single day. But while they’re using it, they’d also see the price going up because ETFs are buying up the supply.
If this scenario unfolds, XRP may no longer be as cheap or available as it is today.
On the other hand, the Ripple and SEC lawsuits have been paused for the next 60 days. Many believe it could finally come to an end by July or August. This could be a big moment for XRP, possibly pushing its price higher.
How High Can XRP Go, If ETF Approved?
Recently, Coinpedia News reported that Crypto analyst EGRAG Crypto believes XRP has the potential to soar as high as $27 if an XRP ETF gets approved.
As of now, XRP is trading at a much lower price, around $2.08, with a market cap of $121.5 billion.
While Cardano (ADA) continues to hold investor attention as a fundamentally sound project, many seasoned traders are quietly pivoting toward early-stage tokens with more aggressive upside. One of the standout names emerging in these circles is Mutuum Finance (MUTM)—a DeFi lending protocol currently priced at just $0.03 in Phase 5, with 50% of the tokens already sold. Its structured presale is progressing rapidly, with each phase bringing a higher price, ultimately reaching $0.06 by Phase 11.
But what’s setting MUTM apart isn’t just its low entry point—analysts featured on Cointelegraph and Investing.com have already highlighted the project as a potential category leader in decentralized lending, citing its strong audit scores, early product rollout, and robust lending mechanics.
If the token reach its projected listing valuations of $0.60 or higher, early entries could realize 20x gains from this level. A $1,500 investment today could grow to $30,000, aligning with the kinds of returns typically associated with the earliest backers of Cardano (ADA) or Polkadot (DOT). With analysts drawing such parallels this early on, it’s easy to see why sharp capital is already positioning.
Custom Lending Beyond ADA’s Scope
Mutuum Finance (MUTM) introduces a liquidity model that stands apart from static DeFi protocols. Rather than offering a singular lending approach, it will implement both peer-to-contract (P2C) and peer-to-peer (P2P) lending systems, giving users the freedom to lend or borrow based on their preferred structure. The P2C system will allow users to earn interest through pooled liquidity, while P2P will enable direct, custom agreements that are particularly attractive for institutions, large holders, or users holding tokens like Dogecoin (DOGE), Shiba Inu (SHIB), or Pepe (PEPE)—assets not traditionally supported in pooled DeFi setups.
Unlike ADA, which never offered a lending product that gives users full control over loan terms, Mutuum Finance (MUTM) will let lenders and borrowers negotiate rates and collateral structures in the P2P model. This flexibility enables smarter capital deployment and appeals to investors who want utility beyond staking. Borrowers will retain full ownership of their assets by posting collateral, unlocking liquidity without losing exposure to their holdings—a major advantage during bull cycles or portfolio restructuring.
The P2C mechanism will also be dynamic, with interest rates adjusting automatically based on the utilization of liquidity pools. As demand for borrowing rises, interest rates will climb, incentivizing more lenders to join the pool. This self-correcting system keeps the ecosystem balanced without manual intervention, and it creates yield opportunities far more responsive than what legacy networks like Cardano (ADA) offer.
Revenue-Backed Rewards and Long-Term Growth Mechanics
Mutuum’s model of generating yield will center around mtTokens, which will represent a user’s share in the liquidity pools. These tokens will accumulate value in real time, automatically reflecting interest earned. Stakers who stake mtTokens in designated contracts will be eligible for protocol-funded dividends, issued in the form of buybacks of the native MUTM token. These buybacks will use actual protocol revenue—giving rewards real financial backing rather than being inflation-based.
This makes Mutuum’s staking model far more sustainable than token rewards funded by pre-mines or treasuries. As usage of the protocol scales, so too will the value generated and redistributed to stakers, turning mtTokens into passive-income tools that automatically grow with protocol activity. ADA holders have long been used to staking with flat returns, but MUTM will tie its staking incentives directly to ecosystem health and on-chain utilization, offering an entirely different trajectory of value accrual.
In addition to protocol mechanics, Mutuum Finance (MUTM) is also laying the groundwork for scalability with a future Layer-2 integration plan. This will reduce transaction fees and support faster, more efficient lending and staking operations—something ADA has faced significant criticism for lacking even after years of development. As Mutuum continues to expand, Layer-2 compatibility will play a crucial role in broadening its adoption, particularly among users priced out of Ethereum mainnet fees.
Beyond development, the $100K giveaway launched by the team signals a bold approach to community acquisition. Instead of relying solely on traditional paid marketing, the project is actively rewarding users who participate early. This not only encourages word-of-mouth momentum but also ensures the community grows alongside the protocol’s development. ADA has never prioritized this level of direct user reward during its formative stages, which makes MUTM’s strategy feel more aligned with current crypto user expectations.
At $0.03, Mutuum Finance (MUTM) sits in Phase 5 of its presale—and 50% of this allocation is already sold. With the token set to list at $0.06, the current entry point offers a clean 2x upside before public markets even open. But the bigger picture isn’t just about presale pricing—it’s about entering a project that’s engineered for utility, yield, and long-term value capture. With 11 phases in total and each step increasing in price, latecomers will face higher costs and a tighter margin for gains.
For more information about Mutuum Finance (MUTM) visit the links below:
The post Smart Investors Are Watching Cardano (ADA), but a $0.03 Token May Deliver the Next 20× appeared first on Coinpedia Fintech News
While Cardano (ADA) continues to hold investor attention as a fundamentally sound project, many seasoned traders are quietly pivoting toward early-stage tokens with more aggressive upside. One of the standout names emerging in these circles is Mutuum Finance (MUTM)—a DeFi lending protocol currently priced at just $0.03 in Phase 5, with 50% of the tokens …
Crypto analyst Javon Marks has identified a potential breakout for the Cardano price and forecasts a substantial price increase. The analyst suggests that ADA price could rise by over 260%, with price targets ranging from $2.70 to $2.91.
Cardano Price Eyes 260% Rally To $2.70
Cardano’s price has shown a steady recovery in recent days, with a notable 2.97% increase in the last 24 hours. Meanwhile, according to crypto analyst Javon Marks, Cardano’s chart shows an ascending triangle pattern, often viewed as a bullish continuation signal. This pattern occurs when the price makes higher lows while the resistance level remains relatively flat.
The consistently higher lows suggest growing buying pressure, indicating buyers are willing to accumulate ADA at higher prices. The breakout probability increases as the ADA price nears the triangle’s upper resistance line.
According to Javon Marks, substantial upward momentum could be seen once ADA breaks through the upper resistance level. A similar breakout in the past resulted in a nearly 300% price increase. If this historical pattern holds, ADA could reach its target price range of $2.70 to $2.91, representing a 261% gain. The consistent testing of the resistance level indicates that the breakout might be imminent, making it a favorable entry point for investors.
Long-Term Holders Show Confidence in Cardano Price
Another factor contributing to the bullish outlook for ADA is the increase in long-term holders (Hodlers). Data from IntoTheBlock shows a steady rise in the number of ADA held for over one year, with the Hodlers’ balance increasing by 1.81%. This data points to a growing investor confidence in Cardano’s long-term potential.
Additionally, the number of medium-term holders (Cruisers) holding for 1-12 months has risen by 7.65%. These increases suggest that more investors are holding onto their ADA rather than engaging in short-term speculative trading.
Cardano Ownership By Time Held (Source: IntotheBlock)
Long-term holders tend to accumulate assets during bullish market phases. The rise in Hodlers’ balance, which has seen an increase in holding time of 77.53% in the last 7 days, suggests that ADA’s investors believe in the project’s future and are willing to lock in their positions. This trend aligns with the broader market sentiment that Cardano is on track for a potential breakout, supported by long-term investor commitment. Furthermore, the balance of medium-term holders has also risen, signaling that more people are shifting their ADA into longer-term positions.
Is a Golden Cross Looming for ADA Price?
In addition to the chart pattern and increasing long-term holders, several technical indicators support a positive price outlook for Cardano. One such indicator is the 50-day Simple Moving Average (SMA) nearing a crossing above the 200-day SMA. This crossing, called Golden Cross, often signals the start of a strong upward movement, as it suggests that the short-term trend is gaining strength. Moreover, the open interest for Cardano’s derivatives is currently at $879.32 million, reflecting a 13.78% increase. This uptick in open interest further supports Cardano’s bullish outlook.
ADAUSD 4hr price chart (Source: TradingView)
Moreover, the Relative Strength Index (RSI) is currently near 70.79 in the overbought zone. While this typically signals an overbought condition, the price can continue rising even with high RSI levels during a strong uptrend. The RSI’s upward trajectory indicates that ADA still has momentum, supporting Marks’ forecast of a potential breakout.
The Chaikin Money Flow (CMF) is another positive indicator currently at +0.11. This suggests that more money flows into Cardano, reflecting increased buying pressure and continued demand for ADA. As the CMF remains positive, the bullish sentiment surrounding Cardano will likely persist.
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